UPSTUpstart Holdings, Inc.
Price
-65%1YEnd-of-day closes, not the intraday tick.
A mixed picture: the questions disagree
Quality mixed, nothing alarming, growth steady, the market against it.
Upstart is the leading artificial intelligence (“AI”) lending marketplace. We aim to radically reduce the cost and complexity of borrowing for all Americans by using our proprietary AI models to remake the entire lending process. Founded in 2012, Upstart’s marketplace supports unsecured and secured credit products, such as personal loans, auto loans, and home equity lines of credit (“HELOCs”). Long-term, our vision is to become the always-on, everything-store for credit, where we can automatically approve borrowers at the right prices – instantly and effortlessly.
In the company’s own words · 10-K filed Feb 10, 2026 · SEC EDGAR
Charts
As reported to the SEC, without any scoring.
Upstart Holdings, Inc. (UPST) reported revenue of $365M in Q2 2026 (quarter ended Jun 30, 2026), up 42% from the same quarter a year earlier. That came with net income of $17M (4.5% of revenue). For the full year FY2025, revenue was $1.04B (+64% year on year) and net income $54M. Its largest product in Q3 2023 (quarter ended Sep 30, 2023) was Platform And Referral Fees Net at $112M, 71% of the disclosed total, well ahead of Servicing Fees Net at 22%. The next results filing is expected around Nov 3, 2026, the same week as a year ago.
What the company said
The company's own words from its current reports to the SEC, newest first
- Aug 4, 2026Upstart Announces Second Quarter 2026 Results.Earnings release · press release
- May 19, 2026On May 19, 2026, Upstart Holdings, Inc. (“Upstart” or the “Company”) announced that its Board of Directors (the “Board”) elected Tim Wennes to serve as a Class I director on the Board, effective as of May 28, 2026.Director or officer change · Form 8-K
- May 5, 2026Upstart Announces First Quarter 2026 Results.Earnings release · press release
Quoted from SEC EDGAR filings. A current report is filed within four business days of the event it describes.
Business segments
Q3 2023 · $158.0MThe company’s own SEC segment disclosure.
- Platform And Referral Fees Net$112.4M71%
- Servicing Fees Net$34.3M22%
- Borrower Fees$7.2M5%
- Collection Agency Fees$4.0M3%
Why these answers
Each answer with the checks it was read from. Open one for the numbers.
Conflicts between checks are named, never averaged, and thin data says so.
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